Merchant’s PACT Merchant Processing Program

FCB’s Merchant’s PACT program helps businesses save money, gain protection, and obtain control of their processing rates and fees.

We make it easy:

• No switch obligation – we can improve your pricing with your current processing company
• Competitive bid evaluations and negotiations.
• No new processing equipment or solution required – access to any type of POS solution (tablet POS, integrated POS, wireless terminal, terminal, mobile, ecommerce)
• Protection against price increases and billing errors – your monthly processing statements are audited to ensure there are no rate increases and check for billing errors
• Reimbursement negotiations with your processor, so you get money back for inaccurate fees.
• Service escalation – talk to real people when you need help.
• Customer notifications of necessary security and equipment updates.
• No effort or time on your part – we manage your processing relationship.

Often, we are able to negotiate lower fees with your current provider, so unlike traditional merchant service companies – you are not forced to switch providers. It’s easy and it’s FREE! Simply bring your monthly processing statements to us for a FREE analysis. If we are not competitive with your current provider – we will tell you!

Contact us to see how FCB’s Merchant Processing can help your business!

Special Promotion!

Match or Beat Your Rate Promotion

We’ll match or beat your current payment processing rates.  If we can’t match or beat your rate… You’ll receive a $200 VISA® gift card*.

Start Fresh and Set Up Your Business for a Stronger Financial Year

• Reduce operating expenses
• Improve payment efficiency
• Modernize your payment experience
• Start 2026 leaner and smarter

Ready to start saving?  Contact us today to take advantage of this limited-time promotion!  Offer valid through March 31^st. Sign up at any FCB Banking Center or email businessbanking@fcbheartland.com for more information.

* Terms and Conditions: Some restrictions and limitations may apply. Merchant must process a minimum of $6,500 in monthly credit card sales. Merchants running a surcharge, cash discount, or buyers’ choice program do not qualify for the promotion. Merchants who are based outside the United States or who have current pricing below standard card organization fees do not qualify. Merchant must provide two months of their most recent statements from their processor. Merchant processing cost comparison is based on all merchant services processing charges shown on the most recent processor merchant statement, excluding 3rd party fees and equipment costs. The $200 will be issued as a $200 VISA gift card or ACH credit. Limit one gift card or credit per merchant, regardless of the number of business locations. Please allow 6 to 8 weeks for the gift card to ship or the credit to apply. Promotion runs until March 31st, 2026.